Legal
Subprocessor register
Effective 13 September 2026
Nichirin Tech Ltd uses the providers below to run Ratewise. Each is bound by a written contract covering confidentiality, security and the processing of personal data on our instructions. We update this page before adding a provider that will process customer information.
| Provider | Purpose | Location |
|---|---|---|
| DigitalOcean, LLC | Application hosting, database, encrypted evidence storage and database backups | United Kingdom (London data centre) |
| Cloudflare, Inc. | Domain name resolution and email routing | Global edge network; EU and UK points of presence |
| Resend, Inc. | Transactional email delivery, including verification, invoices and case updates | European Union (Ireland region) |
| Stripe Payments UK Ltd | Card payment processing for success-fee invoices | United Kingdom and European Union |
| OpenAI, L.L.C. | Operator-approved drafting of customer updates from a bounded case snapshot, only where AI drafting is enabled | United States, under standard contractual clauses |
| Valuation Office Agency | Source of the official rating-list data screened against; not a processor of customer data | United Kingdom |
Independent rating specialists engaged to review a case act as separate controllers or processors under their own engagement terms and are named in your engagement schedule rather than here.